Routing Number 091302762

Routing number 091302762 is assigned to Horizon Financial Bank, a main office located at Po Box 9, Munich, North Dakota 58352. This nine-digit ABA routing transit number identifies Horizon Financial Bank within the Federal Reserve's Minneapolis district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (09) indicate the Federal Reserve Bank of Minneapolis, digits 3-4 (13) identify the processing center, digits 5-8 (0276) are the institution identifier, and the final digit (2) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Horizon Financial Bank, provide your employer with routing number 091302762 along with your account number. Your account number is separate from the routing number and can be found on the bottom of your checks (to the right of the routing number), in Horizon Financial Bank's mobile app, or in online banking under account details.

You can verify this routing number on the bottom-left corner of any check from Horizon Financial Bank, in the mobile app, or by calling 701-682-5331. Direct deposits using this routing number are processed through the Automated Clearing House (ACH) network and typically post within 1-2 business days.

Routing number 091302762 is registered for ACH transactions at Horizon Financial Bank, including direct deposits, bill payments, payroll, and recurring transfers. ACH payments are processed in batches through the Federal Reserve and typically settle in 1-2 business days.

For domestic wire transfers, Horizon Financial Bank may use a different routing number. Wire transfers are processed individually through the Fedwire system and settle same-day. Always confirm the correct wire routing number with Horizon Financial Bank before initiating a wire — using an ACH routing number for a wire can cause the transfer to be rejected or delayed.

This main office of Horizon Financial Bank is located at Po Box 9, Munich, ND 58352. Horizon Financial Bank operates in the Federal Reserve's Minneapolis district, which serves as the regional hub for monetary policy and payment processing in this area.